Quick Color Scheme Layouts?

[Rabid]

Hey guys,
Got a question for you. Does anyone have a good method of creating overall seperate color schemes of a creature or character piece? Seems to me that it might just be the color saturation, balance, etc. in photoshop. + a couple added textures. I attached an example. These are recent concept designs for a creature featured in the new diablo 3 coming out (not my work). I think I would like to start taking my concepts to this level for a few pieces to add another skillset to my portfolios.
Any suggestions on technique or is it as simple as I think it is?

[Bert Marissen]

I have no idea, im just a beginner, do you work with black and whites and make it in color with the balances and stuff? or?

[Rabid]

Usually I begin black and white, I want to say the process would be black and white, colorize layer with first design of color scheme and then a simple copy paste for the number you wish to do. Marquee areas and then change color balance and sat but not sure...