In a large bowl, beat the Sweetened Condensed Milk and softened cream cheese with a mixer until fluffy

Add in pudding mix, milk, vanilla extract and continue beating until well-mixed

In a separate bowl (chilled if possible), beat the heavy cream until soft peaks form

Reserve 2 1/2 cups of whipped cream for topping, and fold remaining cream into pudding mix 

Line the bottom of a 9 x 13 pan (or two 9 x 9 pans) with vanilla wafers and top with sliced bananas, both layers should be packed as closely together as desired

Spread the pudding mixture over top of the banana layer, ensuring the banana layer is well covered

Top the pudding layer with the reserved whipped cream

Cover with lid or plastic wrap and refrigerate for at least 4 hours, overnight if possible

Garnish with any remaining banana slices and crumbled vanilla wafers and serve