That joint participation of the Godhead with us in the forgiveness of sins is non-miraculous and through the Word of God. First, one must examine what the Bible teaches about salvation in order for faith to develop. Without faith salvation is impossible. However, faith only is useless. Though men cannot earn salvation, God refuses to grant forgiveness of sins to men who refuse to obey him.
Faith is followed by repentance.
All men are required to repent or perish. Profession before others of one's faith in Jesus Christ naturally occurs next. God the Father, Jesus Christ and the Holy Spirit have done their parts toward saving men. Man's role is summarized in the Bible as obedience. Obedience is the conditional basis of the Father, Jesus Christ and the Holy Spirit's roles in our salvation.