First off, I like your username hehe

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2nd, I thought I was short on time! Iis there any time during your work schedule that you can sneak in a 45 minute session? It would help alot.
For general "new guy" info, fat loss is easy. Its a function of your metabolism. Make your body burn off more calories than you take in. How do you do that? Eating clean, controlling caloric intake and exercising.
Don't necessarily cut down carbs, especially if you want to work out. Carbs are the fuel that helps your exercise sessions. Instead of cutting carbs, try to split your total calories between 40 percent carbs, 40 percent protein, and 20 percent fat. You sound knowledgeable about what you already put into your body, that will help a bunch.
As far as exercise goes, 3 days a week with weight training is plenty. Start out light, maybe split your workout between upper body and lower body (there are more qualified people to give you weight training advice for muscle gain, I'm more of a cardio/endurance kind of guy due to martial arts). Cardio wise, start out with 20 minutes a day with slow and moderately intense cardio. Add 5 minutes ever 2 weeks. Once you can perform 40-45 minutes of cardio a session regularly and fairly easily, you may look into
HIIT training.
Welcome to the board, and congratulations on deciding on a healthy lifestyle.