I too am in month 4 of working in the gym with a trainer.  I wanted weight loss and cross training for better overall strength, balance and athleticism.  And, I am hoping to train for a really hard ride that is next August.
In about 4 months, I have lost 18.5 pounds, and it seems to have come off of everywhere pretty equally.  I have 23 pounds more to lose.  I am ADAMANT that I want them off by the end of January, because I plan to start harder training for the bike by then.
It is my experience, just for myself, that once I start hard outdoor bike training and mileage building, that it is VERY difficult for me to lose weight (and therefore work off the belly fat, or other fat).
So, for right now, instead of biking much or building volume, I am doing a 4-day split of resistance training, and only 30-45 minutes of cardio those days, plus one other day of cardio.  I will start to build cardio volume on that day, and hopefully be up to 3 hours by end of January so I can start harder bike training.
I guess my long-winded point is, for me, for weight loss, frequency of workouts combined with weight training works better than really building volume and doing a lot of long rides.  Once I start long hard rides, balancing the rest and fueling, let alone dieting, is challenge enough.
				
			 
			
		 
			
				
			
			
				"The best rides are the ones where you bite off much more than you can chew, and live through it."   ~ Doug Bradbury