You are right. At any given moment you are saved or else you are not saved. It's 'pass/fail'. But with any test you might think you did differently than you actually did. I thought I passed the Multivariable Calculus test but I didn't.
The 'process' part is sanctification. Don't get sucked in to the Protestant/Catholic language difference over the meaning of sanctification though. Sanctification goes in fits and starts and even can regress a bit. It goes on your whole life, and then you die. Since no unholy thing can enter heaven, it is possible that the uncompleted sanctification can be finished after we die but before we enter heaven.
But in addition to the sanctification thing we do believe, and we see it happening to people, that we can fall into sin or fall into disbelief. We may have been saved last week but this week we are on hell's expressway. Or, on the other hand, we may be saved today but next month we are going to fall for that extramarital affair and blow God off entirely. The once-saved-always-saved folks have the quick answer that that person was never really saved. We say they were but now they aren't. God continues to draw them, but they chose otherwise. Maybe next year their hearts will soften again.
Do you love the Father and the Son and the Holy Spirit? Do you love the brothers and sisters in Christ? Do you seek to do right by all people? Have you repented all of your serious sins? Do you pray? Do you believe what Christians believe?Have you been baptized? Far from me to infallibly pontificate anything, but my guess is you can say you're saved. What about next month though? It's hard to know, even if our intentions are good at the moment.
So if salvation sounds like a process, at least in some descriptions, it's not really. It's being in the habit of being in God's grace, to where we don't want to be anywhere else. We can be confident in God's enduring love for us and less confident in ourselves but relaxed about it and not losing any sleep about having committed some 'unpardonable sin'. That is usually a Protestant who fears that.