Heat the oil in a large skillet over medium heat.
Add the drained pinto beans to the pan and stir.
Season the beans with chicken bouillon, onion powder, and garlic powder. Mix well.
Slowly add the water, a little at a time, letting the beans absorb and the excess evaporate before adding more. Continue until the beans are soft and easy to mash.
Mash the beans with a potato masher or the back of a spoon until smooth or to your preferred consistency.
Add the pork lard (or butter) and mix until fully melted and incorporated for a creamy texture.
Stir in the shredded cheese until the beans are rich, smooth, and restaurant-style.
Serve warm as a side dish or inside your favorite Mexican dishes.