Preheat the oven to 375 degrees.
Line a cookie sheet with parchment paper.
In a medium mixing bowl, whisk together the gluten-free baking flour, xanthan gum, baking soda and salt.
Place the vegan cream cheese into a large mixing bowl, then measure out six tbsp melted soy-free vegan butter over top, to slightly soften the cream cheese.
Use a hand mixer to mix the cream cheese and vegan butter until well combined, then add the brown sugar and sugar and use the hand mixer to beat until the mixture looks like wet sand.
Keeping the mixer on low, add the vanilla and banana and beat until incorporated.
Add the dry ingredients mixture to the large bowl with the wet ingredients and beat with the mixer on medium until just combined. The dough will be thick.
Fold in chocolate chips until evenly distributed.
Using a 1-inch cookie scoop or spoon, scoop 12 evenly spaced cookies onto the parchment-lined cookie sheet.
Top each cookie with flaky sea salt, if desired.
Place the cookie sheet in the preheated oven for 13 minutes or until tops are slightly cracked and undersides are lightly golden brown.
Remove cookies from oven and allow to cool on the cookie sheet for 10 minutes, then move to a cooling rack.
These store well in an airtight container for up to three days, and they also freeze well.