@scottpletcher: Thank you Scott. I apparently misunderstood you. I assumed you meant that you preferred to generate the loading of records by moving the file to the db and parsing it to produce a flow of insert/updates per line.
That was my original vision. Apparently its not a common thing because I cannot find a single post where if given the following text data, a routine would parse and exec db calls
Payload: testing.txt stored in a nvarchar(max)
cola,colb,colc
a,b,b
s,d,f
SPROC would generate
exec insert into TBL (cola,colb,colc) values (a,b,b);
exec update TBL set cola = a, colb=b, colc=b;