Step 1

In a bowl, combine the milk and pudding mix and blend well using a handheld electric mixer. Beat until the pudding begins to thicken.

Step 2

Using another bowl, combine the cream cheese and condensed milk together and mix until smooth.

Step 3

Add the cream cheese-condensed milk mixture to the pudding mixture and stir until well blended.

Step 4

Fold the whipped topping into the cream cheese & pudding mixture, in two parts, folding it gently with both additions. Transfer the prepared pudding and cream mixture to a piping bag for ease of piping it into individual cups. You could simply use a spoon instead.

Step 5

To assemble: Line the bottom of a serving glass with 2-3 vanilla wafer cookies and 3-4 banana slices on top. Pour the mixture over the cookies and bananas. Repeat the layers until you reach the rim of the glass. Refrigerate until ready to serve. Serve with a dollop of whipped cream, nilla wafers, and sliced