Okay girl so what the hell is this about being in deficit? You are 5'6" and 120lbs! If you ain't going to the stage for a bbing contest then you best not be thinking deficit. In fact your skinny fat next steps are to build muscle. You need to be in caloric excess to build muscle and you need to lift weights. So start with the 1650 cals that you came up with and adjust from there. If you are doing it right, in 4-8 weeks you will start to gain some definition and even possibly scale weight. Take pictures cause you might not see it with the nakid eye. If you are losing weight in 4 weeks, then adjust the calories upwards. If you are gaining then wait it out a bit. (at least 8 weeks) and adjust if needed downwards. If the scale is staying the same. GREAT!
Also you are doing 4 hours of cardio a week if I am reading correctly and BEFORE you lift. That shit has gotta go man.
Seriously, one of the best ways to get skinny fat is to eat in deficit and do a boatload of cardio. Back down on the cardio exercise... I know it is hard but step away from the treadmill. Learn to chill out a little bit even if it is hard. Also doing cardio before you lift takes the spit out of your lifting. I was addicted to cardio when I started all this too so I understand the gravity of this directive.
In fact I still have conflicts with this past addiction sometimes. (the battle never ends)
Just lift weights (I agree with Leigh on the upper/lower splits btw) and take walks and enjoy life and focus on eating for now. Do you have experience with lifting?
The hard thing about being skinny fat and about body recomp is that it is very slow process. It is easy for peeps like us to drop weight quickly and see results quickly. We are very, very good at that. What you have to get good at now is being patient and allowing the body to adjust to things.