Unless I am painting figures with metal armour I always paint the flesh first. This sequence shows how I go about it. I will deal with armour later.
First I simply paint the skin areas with a pale flesh colour. Coat d'arms 213 Flesh works well. I then apply Games Workshop's Flesh Wash. You can see the difference the wash makes on the right hand figure. The left hand figure has not yet had the wash
Then, using a very fine brush I put a dab of dark brown in the eye sockets and red brown over the lips. I never paint eye whites, even with 28mm miniatures as it gives them a ghostly state.
Finally I highlight the forehead, cheekbones, nose and chin with a pale flesh using the basic flesh colour with a bit of white added. If the figure is clean shaven I also put some pale flesh with a bit of red added on the cheeks.
Do not worry if the contrast seems a bit extreme at this stage it will all be fixed with the final raw umber wash. In any case on smaller scale figures you need quite a bit of contrast or the details will fade at the normal viewing distance.