“Faith is something a human does, thus it is a work.”
“What then shall we say was gained by Abraham, our forefather according to the flesh? For if Abraham was justified by works, he has something to boast about, but not before God. For what does the Scripture say? Abraham believed God, and it was counted to him as righteousness. Now to the one who works, his wages are not counted as a gift but as his due. And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness...”
Faith is contrasted with work, but saving faith is also NEVER called a gift, or something God does TO us.
“When Jesus heard this, he marveled and said to those who followed him, Truly, I tell you, with no one in Israel have I found such faith...And to the centurion Jesus said, Go; let it be done for you as you have believed. And the servant was healed at that very moment.”
Jesus ‘found’ the centurion’s faith. He did not give it to him.