That's where most guys keep fat. And you can put on size and strength and lose the fat. You should train and eat right, and you'll accomplish both!
How about you start by cleaning up your diet first? Start spreading your food over 5-6 meals per day. You can break them down into smaller portions and still get the same amount of calories you are currently eating if you only eat 2-3. Then again, I don't know what you are eating now or how much. So you may need to increase calories, or you may be fine for a while.
Basically, eat frequently, and eat good, wholesome foods.
Is it really that difficult to eat healthy foods and workout to accomplish your goals?
I mean, really. How many times do I have to tell people to eat lots of fruits and vegetables each day and with each meal? I mean, it's not rocket science, is it? Do you know that fruits and veggies are good for you? If so, why aren't you eating them?
Also, eat protein with every meal. Do you have problems eating beef, chicken, fish, cottage cheese, milk, protein powder, nuts, etc. each day?? Can you eat one of those things with some fruit and veggies each day for all your meals?
It works wonders if you do.
How about this, skip the bread, pasta, rice and all crap food for a while. Focus on eating any and all fruits and veggies and all the protein you can think of and eat. If you do that, I guarantee that you will lose fat and be able to gain size and strength provided you eat enough and train consistently.
Read, read, read! Learn, learn, learn! Don't make it more complicated than it needs to be!!!
Stick with it. Consistency is key. Hard work. Dedication. Discipline. Desire.
Do you have what it takes?