+24VDC------(+)--B1--(-)------(+)--B2--(-)------24VDC-
Above is your base series hook up to power your trolling motor which never gets disconnected....
Via a separate tapping you can hook up to B1 for 12 volts just as well as you can hook up to B2 for 12 volts the only difference is in the polarity which is easily "switched" during use by way of a selector switch.
Using a DPDT High Amperage Toggle Switch with 6 terminal connections you can toggle your 12 volt load to run from B1 or B2 as selected one or the other but not both...
This switch can even handle 50 amps
http://www.mcmaster.com/#8001k32/=yszcgw it just does not have a center OFF as the 30 amp switch
http://www.mcmaster.com/#8001k13/=yszc47 does which would be nice to power down your newly created 12 volt load center. Think of these switches like a "Y" whereas you can feed 2 power sources in through the arms and have the output switched through the bottom foot.
Is this an unbalanced load? Absolutely it sure is. Thus it is up to you the human to attempt to balance the load by periodically switching from B1 to B2 as often as practical such as between useage.