Loading a XREF TABLE

I need to create a XREF table to fix tons of records in the  database, I loaded the correct records in a custom table (SZTSBGI) here is the description.

CREATE TABLE SZTSBGI
(
  SZTSBGI_CODE         VARCHAR2(6 BYTE),
  SZTSBGI_SCHOOL_NAME  VARCHAR2(30 BYTE),
  SZTSBGI_ADDR_LINE_1  VARCHAR2(30 BYTE),
  SZTSBGI_ADDR_LINE_2  VARCHAR2(30 BYTE),
  SZTSBGI_CITY         VARCHAR2(16 BYTE),
  SZTSBGI_STATE_PROV   VARCHAR2(3 BYTE),
  SZTSBGI_PSTL_CODE    VARCHAR2(10 BYTE),
  SZTSBGI_CTRY_NAME    VARCHAR2(25 BYTE),
  SZTSBGI_ADDR_IND     VARCHAR2(1 BYTE),
  SZTSBGI_CHG_DATE     VARCHAR2(6 BYTE),
  SZTSBGI_CHG_CODE     VARCHAR2(1 BYTE),
  SZTSBGI_SCH_TYPE     VARCHAR2(1 BYTE)
)

I need to use the following tables
SOBSBGI
(
  SOBSBGI_SBGI_CODE      VARCHAR2(6 BYTE)       NOT NULL,
  SOBSBGI_STREET_LINE1   VARCHAR2(30 BYTE),
  SOBSBGI_STREET_LINE2   VARCHAR2(30 BYTE),
  SOBSBGI_STREET_LINE3   VARCHAR2(30 BYTE),
  SOBSBGI_CITY           VARCHAR2(20 BYTE)      NOT NULL,
  SOBSBGI_STAT_CODE      VARCHAR2(3 BYTE),
  SOBSBGI_CNTY_CODE      VARCHAR2(5 BYTE),
  SOBSBGI_ZIP            VARCHAR2(10 BYTE),
  SOBSBGI_NATN_CODE      VARCHAR2(5 BYTE),
  SOBSBGI_ACTIVITY_DATE  DATE                   NOT NULL

And
STVSBGI
(
  STVSBGI_CODE           VARCHAR2(6 BYTE)       NOT NULL,
  STVSBGI_TYPE_IND       VARCHAR2(1 BYTE)       NOT NULL,
  STVSBGI_SRCE_IND       VARCHAR2(1 BYTE),
  STVSBGI_DESC           VARCHAR2(30 BYTE),
  STVSBGI_ACTIVITY_DATE  DATE                   NOT NULL,
  STVSBGI_ADMR_CODE      VARCHAR2(4 BYTE),
  STVSBGI_EDI_CAPABLE    VARCHAR2(1 BYTE),
  STVSBGI_FICE           VARCHAR2(6 BYTE),
  STVSBGI_VR_MSG_NO      NUMBER(6),
  STVSBGI_DISP_WEB_IND   RAW(1)
)
I am planning to load the data( via sqlldr) in the table

SZCEEBXREF
(
  SZCEEBXREF_SOBSBGI_CODE         VARCHAR2(6 BYTE),
  SZCEEBXREF_COLL_BOARD_CODE      VARCHAR2(6 BYTE),
  SZCEEBXREF_STVSBGI_CODE         VARCHAR2(6 BYTE),
  SZCEEBXREF_COLL_BOARD_NAME      VARCHAR2(30 BYTE),
  SZCEEBXREF_STVSBGI_NAME         VARCHAR2(30 BYTE),
  SZCEEBXREF_COLL_BOARD_ADDR1     VARCHAR2(30 BYTE),
  SZCEEBXREF_SOBSBGI_LINE1        VARCHAR2(30 BYTE),
  SZCEEBXREF_COLL_BOARD_ADDR2     VARCHAR2(30 BYTE),
  SZCEEBXREF_SOSBGI_STREET_LINE2  VARCHAR2(30 BYTE),
  SZCEEBXREF_COLL_BOARD_CITY      VARCHAR2(30 BYTE),
  SZCEEBXREF_SOSBGI_CITY          VARCHAR2(30 BYTE),
  SZCEEBXREF_COLL_BOARD_ST        VARCHAR2(3 BYTE),
  SZCEEBXREF_SOBSBGI_STAT         VARCHAR2(3 BYTE),
  SZCEEBXREF_COLL_BOARD_ZIP       VARCHAR2(3 BYTE),
  SZCEEBXREF_SOBSBGI_ZIP          VARCHAR2(3 BYTE),
  SZCEEBXREF_COLL_BOARD_CTR       VARCHAR2(30 BYTE),
  SZCEEBXREF_TYPE_IND             VARCHAR2(1 BYTE)
)

Before I load the data I need to write the query or the view to generate a file.
Here is my question( sorry if is a stupid one), do I need to join the tables
SZTSBGI, SOBSBGI and STVSBGI, I can join
nitcap(SOBSBGI_CITY) = initcap(SZTSBGI_CITY)
and initcap(SOBSBGI_STREET_LINE1) = initcap(SZTSBGI_ADDR_LINE_1)
AND SOBSBGI_SBGI_CODE = STVSBGI_CODE
and SOBSBGI_ZIP = SZTSBGI_PSTL_CODE

NOT all the records matched, some of the SOBSBGI_STREET_LINE1 are not equal to SZTSBGI_ADDR_LINE_1 the same with
AND SOBSBGI_SBGI_CODE = STVSBGI_CODE
and SOBSBGI_ZIP = SZTSBGI_PSTL_CODE


OR option 2
   Do I need to load all the COLUMNS WITH THE SOBSBGI IN THE name with the all the data from the SOBSBGI table, not joins the same with the STVSBGI and COLL_BOARD (is in SZTSBGI) not joins just load the columns
Straight from the table, I guess I dont have experience loading XREF tables&

If the option 2 is the right one can you give me some ideas of how to
Write the code, union? Online view? Pl\sql&.

I will appreciated any ideas?