In a small bowl, beat heavy whipping cream until soft peaks form.
In another small bowl, prepare pudding according to package instructions. (you only need half the box so you can either make the whole box and eat the leftovers or only make half the box)
In a large bowl, beat together the cream cheese and powdered sugar until combined. Slowly mix in the condensed milk.
Fold 1 cup of the pudding into the cream cheese mixture and then fold in the whipped cream into the mixture
On a plate, mash the bananas and sprinkle with lemon juice to help prevent them from browning.
Fold bananas into the dip mixture.
Chill for an hour and sprinkle the top with crushed vanilla wafers before serving.
Serve with vanilla wafers,