Grease a 9x13 baking dish.
Pour the caramel sauce into the dish, and distribute evenly.
Place the banana slices over the caramel sauce.
Layer enough bread slices over the bananas to form a single layer of bread.
Add all the cream cheese cubes onto the bread slices.
Add another layer of bread slices over the cream cheese.
In a medium bowl, add the eggs, milk, sugar, vanilla, cinnamon, nutmeg, and salt. Whisk together until well combined.
Pour the egg bath over the assembled dish.
Gently press the bread slices with your hands to help soak up some of the egg bath.
Cover with foil and place in the fridge for at least 2 hours, or overnight (preferred).
Preheat the oven to 375°F.
Remove the dish from the fridge.
Bake uncovered for about 35 minutes...or until bubbly and lightly browned on the edges of the bread slices.
Let cool for about 10 minutes.
Serve with warmed maple syrup.