I'm not a graphic artist (I write), but this looks very good to me. It's coloured and shaded well, and she looks very lovely. The contrast of fair skin and dark hair works well. I'd love to see the photo it's based on.
To be honest, I can't really remember what I used on this one since I change my brushes constantly. This could be during the time I was using Shaddy Safadi's brushes, together with the blender brush
amazing piece. I'm still working only from reference myself. My original stuff looks terrible next to study pieces lol. Still trying to master color as well. My color always comes off faint and washed out.