How to load data from a .txt in virtual directory EXCEL to oracle tables?

 I ave a script ksh that has sqlldr and has the username and passowrd inside the script in order to load the data.  I wonder if the loading can be place in a procedure to be able to load the .txt inside the server.  I have created a virtual directory in this directory where the .txt is located and have granted read,write permission to the user cmprtrel2 which is the user that will be loading the data.