Flux has it right for 0-12, 30a.
Each panel should have a blocking diode.
Voltage feedback from the 24v panel to 12v panel when the load is <20a without diodes, power loss, maybe other effects.
With diodes: loads <= 20a the output voltage is determined by the 24v panel.
If the load is >20a then the voltage will fall to the sum of the two panels current 20+10.
The voltage will be >12v considering most 12v panels output voltage is >12v.
Have fun,
Scott.