I hate to break this to you but no amount of moisturiser or exercise is going to help.
If your skin hasn't bounced back yet then that is the state of affairs. Just think about it rationally for a minute. If a woman carries a baby for 9 or so months and ends up with loose skin then if you carry that extra weight and stretch the skin for dozens of years then you have got to expect permanent damage. That is the price we pay for our "sins".
Trust me - I know what I speak of.
I stretched my gut for 35 years and after I lost the weight...well let's say the results ain't pretty!
I was left with a soccer ball size gut of loose skin and mega wrinkles where no person should have them. I always said that if I fell off a cliff naked that I would survive by gliding to earth using the loose skin under my arms as wings!
The only way it can be changed is with plastic surgery which is very expensive. I got a bit lucky there. I had a belly hernia the size of my fist that had to be dealt with once I lost the weight. My surgeon did me a favour...while he was there he hacked off most of the gut (he pointed out this wasn't plastic surgeon...he was right...and hacked off is a good description of it...lost my belly button!). The soccer ball gut is gone but I'm "flabby" still in many places (I've got some side saddles that I reckon can be shaped into extra arms in the future)...but I'm not that worried about all that. I look at my body as it is as a reminder of what was and it is the price I pay for my past folly...and never to go back to that body. Besides - I'm married...who am I trying to impress? My wife has got use to it and isn't complaining (well...not about that anyway).