Beach Body Lily(Step-by-Step) (Patreon)

Unfortunately I ended up discarding the original sketch for this image, so the earliest step I have is lineart. 

1. Colorize lines

2. Lay down skin tone

3. Base colors + start rendering skin

4.  More skintones and shadows on hair and bikini

5. Tones and highlights

6-8. Rendering background

9.  Add effects and finishing touches