Hi there, and welcome to 3FC!
I wish I knew the answer to that, because I also have a "fat pannus" - and have always had a "little pooch" - even when I was a teenager and weighed 130 lbs and played 3 sports! Some folks call it an "apron" - but, I dislike mine a lot, as well.
It has definitely gone down as I've lost more weight, but my dreams of a bikini (and feeling confident in it) are a long way off, even though I'm pretty close to my goal.
I've thought of a tummy tuck, but honestly, I'm not willing to go through with another surgery unless it's medically needed. Just too much risk involved, especially now that I have a total knee replacement!
I've also looked into cool sculpting, as I've read this is a viable solution to problem areas - specifically good for belly, inner thighs and upper arms. Non-surgical option, though I've read differing reports of the pain involved in recovery. But, after having a total knee replacement, I'm not overly concerned about
any pain anymore!
I will likely look into cool sculpting more once I hit my goal and see how mine looks.
Good luck!