Beat softened cream cheese until smooth.
Gradually add sweetened condensed milk and mix until combined.
Combine Pudding and Cream Cheese Mixture:
Gently fold set pudding mixture into cream cheese mixture.
Fold in whipped topping until light and fluffy.
Assemble the Banana Pudding:
Layer vanilla wafers in a serving dish.
Top with sliced bananas.
Spread a layer of pudding mixture over bananas and wafers.
Repeat layers, ending with a pudding layer.
Chill and Serve:
Refrigerate for at least 4 hours or overnight.
Garnish with whipped topping, banana slices, or crushed wafers if desired.
Serve chilled.
