@txsjedi, this is a very common cause of confusion. Consumer retail marketing advertise solar panels as "12V" and "24V" but this is just to simplify things for the masses.
A panel marketed as "12V" does NOT produce 12V, in fact they tend to produce 21.6Voc, which in turn is (usually) produced by connecting 36 individual 0.6V PV cells together in series.
The term "12V" (or "24V" or "48V") is used to combine compatible products together and is actually the 'nominal system voltage'. For example, a "12V" (nominal) battery can vary from 10V to 14.4V, a "12V" (nominal) PV panel can vary from 21.6Voc to around 19Vmp in operation and below depending on solar irradiance.
@upnorthandpersonal answered your main question regarding SCC selection.
Voc: PV Voltage Open Circuit
Vmp: PV Voltage Maximum Power