Is Faith a Work? (Revisited)
Faith is not considered a work because we attribute our faith to the work of Christ applied by the Holy Spirit as He opens our heart to the gospel. By the mercy of God, we are granted a new heart which can look away from self to Christ alone for salvation. However, faith WOULD IN FACT BE A WORK if it were not recognized as the result of the Lord opening the heart - or the regenerating work of the Spirit. As such a person would be ascribing their believing (at least partly) to their own wisdom, humility, sound judgment and good sense but not to Christ alone. As J. I. Packer once said, "the saving power of the cross does not depend on faith being added to it; its saving power is such that faith flows from it."
"It is because of him you are in Christ Jesus, who became to us wisdom from God, righteousness and sanctification and redemption, so that, as it is written, “Let the one who boasts, boast in the Lord.” 1 Cor 1:30-31
Why Is Faith Not a Work? by Matthew Barrett