So your answer is a simple “yes,” correct?
Yes, as I have repeated several times. How about your answer to how the atheist in the above hypothetical scenario can be saved? No Catholic theologian has ever held that an atheist can be saved, requiring at least a minimum of explicit faith in the Rewarder/Punisher God.
For infants, in a special case, this supernatural virtue is infused in the soul, along with supernatural charity. But for adults it does not work this way. If an atheist adult were baptized, say unwillingly, would he have the supernatural virtue of faith or charity? Of course not. If he did not assent to the truths of the faith, and, in short, have all the dispositions necessary, as described by the Council of Trent, while he would receive the Baptismal character, he would not receive supernatural faith or charity. That's because FOR ADULTS a cooperation of the will is required.
Infants are dispensed from this obligation, since they cannot actively cooperate with their will and their intellect. But once they reach the age of reason, they are then required to cooperate. If they do not cooperate, then they are in the same state as the adult above who was baptized without the proper dispositions.
Virtues are also known as habits. Supernatural faith and supernatural charity are habits, and they are potencies. Upon reaching the age of reason, however, what was a mere potency in the infant has to be "activated" and cooperated with, or the potency fades away, just as any habit or virtue fades away if it's not exercised. This is true of the natural "virtues" as well. If they are not exercised, the potency eventually fades, and the virtue dies. Virtues need to be exercised to be kept alive.