In a large skillet over medium heat, add 3 tablespoons of olive oil. Once hot, add the diced onion and red bell pepper. Sauté for about 5-7 minutes until the vegetables are tender and the onion is translucent.
Stir in the minced garlic, ground cumin, and chili powder. Sauté for an additional 1-2 minutes until fragrant.
Add the precooked rice, kosher salt, and freshly ground black pepper to the skillet. Gently fold in the drained and rinsed black beans and the can of Rotel tomatoes. Cook for another 5 minutes, stirring occasionally to ensure everything is heated through.
Pour in 8 ounces of the salsa (reserve the rest for serving) and mix well to combine. Allow the mixture to cook for another 2-3 minutes until heated.
Lay a soft tortilla shell on a clean surface. Spoon a generous amount of the filling into the center of the tortilla, making sure not to overfill. Sprinkle with shredded Mexican cheese blend.
Fold in the sides of the tortilla, then roll it tightly from the bottom up to enclose the filling. Repeat with the remaining tortillas and filling.
Serve your Loaded Vegetarian Black Bean and Rice Burritos warm, garnished with fresh cilantro and accompanied by the reserved salsa. Enjoy!