Character set conversion issue

We are trying to load data using sql loader from the file we have a customer name ABCÕÕÜÜÄÄÖÖ’ where as it is imported into staging table as ABCÕÕÜÜ¿¿ÖÖ.

Character Ä is not recognized.

Instance is EBiz R12.1.3 environment.

Database : 11.2.0.3

Client : 10.1.0.5.0

SQL> select * from nls_database_parameters where parameter = 'NLS_CHARACTERSET';

PARAMETER

------------------------------

VALUE

--------------------------------------------------------------------------------

NLS_CHARACTERSET

UTF8

SQL> HOST echo  $NLS_LANG

American_America.UTF8

Data Type for the column is varchar2(150 Byte)

 Thanks

Yathish