MAKE THE PUDDING: In a large mixing bowl, whip the cream cheese using with a hand mixer until completely smooth, take your time here and really work the cream cheese. Add ¾ can of the condensed milk if you prefer your desserts less sweet, add the whole can if you like them sweeter! Add the vanilla and salt and continue whipping until combined. Add milk and pudding mix and continue to mix on medium-low speed until you work out any lumps in the pudding. Cover and refrigerate for at least 20 minutes, or up to overnight.

WHIP THE CREAM: In a large bowl, add heavy cream and whip until stiff peaks form, about 3-4 minutes. Remove roughly 1¼ cup of the whipped cream to a bowl, and refrigerate. Add the remaining whipped cream to the pudding and fold until no streak of pudding remain.

ASSEMBLE: Add ⅓ of the pudding mixture to the serving dish. Top with ½ the wafer cookies and ½ of the banana slices. Top with another ⅓ of the pudding, followed by the wafers and bananas (save a few of each for the top.) Add the remaining pudding on top and then top with the whipped cream. Top with a few slices of banana and cookies, if desired. Refrigerate until ready to serve. Best when served within 8-10 hours.