I wanted to challenge myself with a character I had not yet tried, this one being a golden-aged, Florida crocodile. This was for myself, so I was the only real judge here on what looks right, but I always start with a number of quick, down and dirty thumbnails until I get a good shape, silhouette, and pose that feels grounded to me.
Once I settled on a pose and shape I think I liked best, I redid the pencil a number of times using basic tracing paper. I then scanned it in.
A first pass at watercolor in Painter and I'm able to see a basic dimensionality to him.
Now that the basic color palette is there, I stay in Painter with layers of digital watercolor shading.
The final touches below, various light streams, blurs and highlights, this time in Photoshop.