The photo with the fish is shot a little into the light, rather than with the light, which has led to a slightly washed out background. The second image uses a good downward camera angle, with the sun coming over your shoulder illuminating the wreckage. When using a very wide lens (e.g. 10.5mm) it is important to use more of a downward camera angle than with a less wide lens (e.g. 10-17mm @ 17mm).
When shooting wrecks (without strobes) you need to keep the shutter speed to at least 1/40th. Below that you will get blur, but there is no need to go much faster, instead reduce your ISO to get the minimum noise.
With moving subjects (like the fish) you need a bit more shutter speed to freeze the action. At least 1/90th.
Cloudy days are not too much of a problem, they reduce your ultimate light levels, so you might have to bump ISO a bit, but they also make the light a little less direction less - which allows you to shoot from more angles.
Both shots don't really have the best WB settings. On wrecks I tend to set the white balance on an illuminated section of the wreckage. I generally find that this gives a good white balance. Here is an example on a wreck (that we filmed) at a depth of 10m, shot with a compact.
This is me setting the white balance on the wreck, just below the winch

Then I recomposed and shot this - this is JPG as shot:

Alex