This doesn't look intermediate, The head's way to large, the neck is incredibly thick, the arms are coming out the chest, you used the fill option for coloring it in, Hardly any shading, and the shading you did do is done with the burn and dodge tools.
I agree, you should draw in the beginner's section a little more before you advance to intermediate. Try to do more shading on the person to make her look more realistic.
drawn in 55 min
drawn in 18 min