N.T. Wright says that the discussion of justification (and the argument surrounding Sola Fide) belongs not so much within soteriology as it does within ecclesiology.
He goes on to say that being justified by faith says less about how we are saved as it is a declaration that we are saved. Therefore faith is the badge, the declaration of our justification rather than its source. We do not merit justification through our believing, but our believing (our faith) is the evidence of our justification.
N.T. Wright can be difficult to understand. His ideas are especially difficult to understand after they're squeezed through my brain - perhaps they make no sense after I process them. Maybe it would just be easier to call him a heretic.