Thank you to anyone who can help me, at this point this has been difficult to troubleshoot.
I converted a Poser type character Model into FBX and imported it into Maya 2010. Did the usual repointing of the texture color and bump maps to the right folder in Attribute Editor and lowered the Bump Map Depth down to about 0.1. Had to go into many texture nodes in the Hypershade to setup all these. When we render the crocodile, the bump map seems to cover up the color map on the back of his skin, his belly seems to be fine.
Please go to the following page to download the Maya Model:
Any details on how to fix the texture is greatly appreciated.