Salvation for most persons is a process, lived out over one’s lifetime, and not a one time event.
There are warnings throughout scripture on the subject. Just as one verse cannot make the protestant point valid, the same goes for the Catholic(original) position.
The basic idea of the Grace, Faith Works salvation, is this.
One comes into the family of God, normatively through baptism, it was always this way and scripture makes it clear that they were added to the flock after baptism where they also received the Holy Spirit.
If one were to die at that moment, they would be saved, but that is the exception. Doctrines are not made on exceptions, but norms.
Most people live much longer after the date of their baptism.
The person was given the grace to come to faith, and so the faith in and of itself was a gift from God, and nothing of themselves.
The proof of their faith is revealed through the way they live their lives, for faith without works is dead.
God gives Christians good works, works of God, by the power of the Holy Spirit, to do. We are to be obedient to God by doing these God given works. These are not works of men, in any way shape or form. These also help us to grow in sanctification.(becoming more Holy). Along with the sacraments, we are given graces which help us to become more Holy, not to save us, but to lessen our time in purgatory on our way to heaven.
Grace, and nothing apart from it saves us, faith follows and good works fulfill that faith.