well, i'm not an expert here but since you ask for it, i'll give you what i can...
the concept of the creature or whatever it is (Banshee) is pretty good (simple), but as far as the details go, escpecially the clothes
folding, i would say maybe you should take it back a little bit and loosing some of the clothes folidings, specififcally the folds on the bottom of the body
because those folds down there just seem to really make it look like its flat which is not so good because the human body never was flat, even with clothes on, unless, unless you want it that way or maybe it's a style? but i can't really see any of this as a style either so i assume its not LOL, anyways that's what i would like to point out in case you dont recognize it, there's still alot of things that needs to improve but as for your level, i would say this is good for the time being, and until then maybe i'll try to give you some more better comments :)