Make the pudding: using a hand held or stand mixer, beat together the milk and vanilla pudding in a large bowl until thick.
Combine the softened cream cheese, condensed milk in a separate bowl until creamy. Fold in the frozen whipped topping. Mix this mixture into the vanilla pudding just until well combined, but do not overmix it.
Place the vanilla wafer cookies in the bottom of a 9x13-inch baking dish
Toss 5 sliced bananas with the orange and lemon juices and spoon them over the vanilla wafers
Spread the pudding mixture evenly over the banana slices
Cover with plastic wrap and refrigerate at least 4 hours or overnight. Serve with slices of the remaining banana, crushed vanilla wafers and shaved chocolate.