01 -
Beat the softened cream cheese in a large bowl until fluffy and light to form a smooth base.
02 -
Gradually add the sweetened condensed milk to the cream cheese, beating continuously until well combined.
03 -
Mix in the instant vanilla pudding mix, then slowly pour in the cold milk while stirring at low speed to avoid lumps; continue mixing until smooth.
04 -
Place a layer of vanilla wafers at the bottom of a large serving dish, followed by a layer of sliced bananas, then pour a generous layer of pudding mixture over the bananas.
05 -
Continue layering wafers, bananas, and pudding until all ingredients are used, finishing with a pudding layer on top.
06 -
Cover and refrigerate for at least 4 hours or overnight to allow the flavors to meld and wafers to soften.
07 -
Before serving, spread the thawed whipped topping evenly over the pudding layer.
08 -
Optionally, garnish with extra vanilla wafers or banana slices to enhance presentation and flavor.