Pretty Good
I think you need to practice clouds a bit, and the sun looks very unnatural, but I love the concept and you drew the water very well. The lighting on the dragon is nice and so are the shadows on the water, but the reflected sun is a bit too perfect. It's also out of alignment with the actual sun XD The picture itself is slanted, but the reflection should not be independent of that. The reflection needs to be pushed more towards the rocks, and probably should be mostly concealed by the rocks.