In a large bowl, whisk the egg, pumpkin, sugars, oil, sour cream, vanilla, and spices.
In another small bowl, combine the flour, baking powder, baking soda, and salt.
Fold dry ingredients into wet ingredients until just combined.
Add pecans and fold in.
Pour 2/3 of the loaf batter into a Baking Pam sprayed loaf pan.
Gently scoop the cream cheese mixture on top and spread out to cover evenly.
Gently scoop the remaining 1/3 of the batter and spread to the edges, covering the cream cheese.
Bake for 45-50 minutes at 375F (covering for last 15 with foil to prevent burning.
Once loaf is done, remove from oven and let cool in the pan for 15 minutes.
Turn out onto a rack to completely cool before icing.