Slice the bread loaf into 1 1/2-2″ thick slices. In the middle of each of those slices, use the knife to cut down into the bread to create a pocket. Set each slice aside.

In a shallow bowl, whisk together the remaining ingredients for the French toast soak – eggs, milk, vanilla, cinnamon and dash of nutmeg. Set aside.

In another bowl, whisk together the ingredients for the filling. Spread the filling into the pocket of each slice of bread.

In a small food processor, or bowl, beat together the cream cheese syrup ingredients until smooth. Set aside.

Heat a large skillet, or electric skillet to 350 degrees, until it is hot. Soak each filled slice of french toast in the egg/milk mixture until it is soaked through, about 2 minutes each side. Spray the skillet with non-stick spray and fry the french toast until it is deep golden brown on each side. Plate, and serve with cream cheese syrup. Repeat with all remaining French Toast.