To create your Ultimate Cream Cheese Banana Bread, follow these simple steps:

1. Preheat Your Oven: Set your oven to 350°F (175°C) and grease a 9×5-inch loaf pan.
2. Mix the Wet Ingredients: In a large bowl, combine the mashed bananas, softened cream cheese, melted butter, and granulated sugar. Mix until well blended.
3. Add Eggs and Vanilla: Beat in the eggs and vanilla extract until fully incorporated.
4. Combine Dry Ingredients: In a separate bowl, whisk together the flour, baking soda, salt, and ground cinnamon.
5. Mix Dry and Wet: Gradually incorporate the dry mixture into the banana mixture until just combined. Be careful not to overmix.
6. Add Optional Ingredients: If using, fold in the chopped nuts and chocolate chips gently.
7. Pour Into Loaf Pan: Transfer the batter into the prepared loaf pan, spreading it evenly.
8. Bake: Place the loaf pan in the preheated oven. Bake for 60 minutes or until a toothpick inserted in the center comes out clean.
9. Cool: Once baked, remove from the oven and allow the bread to cool in the pan for 10-15 minutes before transferring it to a wire rack.
10. Slice and Serve: Allow the banana bread to cool completely before slicing to enjoy!