Potluck Banana Pudding

Directions

1. 1
   For the filling, cream the cream cheese by hand until smooth; add the sweetened condensed milk and stir until blended.
2. 2
   In a separate bowl, hand whisk the pudding mix with the milk until blended. Let rest 5 minutes, then blend the two together.
3. 3
   To assemble the banana pudding, layer in two layers in a 9 x 13 inch pan, beginning with wafers, then bananas and filling.
4. 4
   Top with whipped topping, making sure to completely cover the dessert, edge to edge. Cover tightly and refrigerate about 4 hours to soften the cookies.
5. 5
   Garnish with a sprinkling of crushed wafers, if desired, just before serving.