It's good that you're eating often, but you should try to eat protein coming from solid food rather than the whey during the day other than lifting time. Also, you should be having the creatine right after lifting.
You probably don't need many carbs since you're trying to cut down. Don't get me wrong...if you're intent on keeping them, then having them when lifting is the time to do it.
Try typing in the search bar "Destroying Fat", "Carb cycling codex", "meltdown training", and "Redefined physique transformation"
BTW, are you sure about that BF percentage? 162 lbs at over 20% bodyfat at 5'9" doesn't quite add up. If you're off, perhaps a slow bulk for a few months with some added cardio is in order