Pre-heat the oven to 375 °F
Spray a 13x9" baking dish with nonstick spray
Whisk together the mashed bananas, brown sugar, egg, egg whites, vanilla extract, baking powder, salt, cinnamon and nutmeg
Stir in the milk
Stir in the uncooked oats
Stir in the crushed pineapple and chopped pecans
Pour into the baking dish
Put the Neufchâtel cheese in a bowl and microwave on high for about 15 seconds until it turns runny. Stir in the granulated sugar and lemon juice, then pour it on top of the oatmeal.
Bake for about 45 minutes, until the top is brown and a toothpick or skewer inserted into the center of the oatmeal comes out clean.