Step 1

In a large bowl, with a hand mixer, beat cream cheese until smooth.

Step 2

Slowly beat in sweetened condensed milk until entire can has been mixed.

Step 3

Add instant pudding powder and mix until smooth.

Step 4

Slowly add milk 1/2 cup at a time until all milk has been added.

Step 5

Now add vanilla extract and blend.

Step 6

In a separate bowl, blend half tub of cool whip until smooth. Set other half aside.

Step 7

Add 1 cup of pudding mixture into cool whip and mix well.

Step 8

Pour cool whip mixture into pudding mixture and blend - this will help prevent chunks.

Step 9

In a trifle dish or casserole dish, layer vanilla cookies, sliced bananas and pudding. Repeat layer one or two more times, depending on your dish. Top with remaining cool whip.

Step 10

Chill in fridge for 2 hours to overnight to allow pudding to thicken up and set.

Step 11

Serve chilled.