In a large mixing bowl, whisk together warm milk, yeast, and 1 tablespoon of the granulated sugar, then let sit for 5–10 minutes until foamy.
Whisk in the remaining granulated sugar, melted butter, egg, egg yolk, mashed banana, and vanilla extract until smooth.
In a separate bowl, combine 4 cups of flour, salt, and ground cinnamon, then add this mixture gradually to the wet ingredients, stirring until a soft, slightly sticky dough forms.
Turn the dough onto a lightly floured surface and knead for 5–8 minutes, adding up to the remaining 1/2 cup flour as needed until the dough is smooth and elastic.
Place the dough in a lightly greased large bowl, cover with plastic wrap or a kitchen towel, and let rise in a warm place for 1–1 1/4 hours or until doubled in size.
While the dough rises, stir together the softened butter, brown sugar, granulated sugar, cinnamon, and salt in a medium bowl until you have a spreadable paste.
Once risen, punch down the dough gently and transfer it to a lightly floured surface.
Roll the dough into a rectangle about 30x40 cm (12x16 inches), keeping the thickness even.
Spread the cinnamon-sugar filling evenly over the dough, leaving a 1 cm (1/2 inch) border along one long edge.
Sprinkle chopped pecans and mini chocolate chips evenly over the filling, if using.
Starting from the long edge opposite the clean border, tightly roll the dough into a log, sealing the edge by pinching gently.
Trim the ends if uneven, then slice the log into 12 equal rolls using a sharp knife or dental floss.
Arrange the rolls cut side up in a greased 9x13-inch baking pan, leaving a little space between them.
Cover the pan loosely with plastic wrap or a kitchen towel and let the rolls rise for 25–35 minutes, until puffed and touching.
While the rolls proof, preheat the oven to 175°C (350°F).
Bake the rolls for 22–27 minutes, or until lightly golden on top and an inserted center roll feels set but still soft.
Allow the rolls to cool in the pan on a wire rack for at least 15–20 minutes before glazing.
For the glaze, beat together cream cheese and butter until smooth, then add powdered sugar, vanilla, salt, and enough milk to reach a thick but pourable consistency.
Spread or drizzle the cream cheese glaze over the warm rolls, letting it melt slightly into the swirls.