You already know about SQL Server's BCP utility. Oracle's similar utility is called SQL*Loader. SQL*Loader will load the contents of a text file into an Oracle table. Oracle extended this utility with something called External Tables. With External Tables, you can access a text file with SQL commands just as if it were an actual table. External Tables uses the SQL*Loader engine before passing the data to the SQL engine.
Click here for a document that details SQL*Loader and External Tables.
Dig Deeper on Using Oracle PL-SQL
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