Pour half of the banana bread batter into your prepared pan. Then, spoon the cream cheese mixture over the batter and spread it around evenly. Pour the remaining banana bread batter on top.
Sprinkle with walnuts (if using) and bake for 50-60 minutes, until a toothpick comes out clean. Cool for 10 minutes and then remove from the loaf pan to allow to cool completely. Enjoy!