Putting up an image today which shows a little bit of what I'd like my typical process to be. I say "like my typical process to be" because to be absolutely honest I rarely do things the same way twice in a row. I do usually sketch in pencil, and often do a warm ochre-ish under painting, but after that it starts to vary.
Sometimes I'll work on a 'multiply' or 'overlay' layer of colour, or sometimes (in this case) opaque paint straight away. Often its easy to get pulled into details right away and concentrate on the image section by section, but here I tended to work on the image as a whole, which is considered the more correct way to go.
Another card for legend of The Five Rings (working on an NDA'd project for the last 4 months...) today, character art showing a Matsu clan archer. (C) Alderac entertianment 2009