Code:
value=`sqlplus -s user/pass << EOF
set heading off;
select max(reference) from cred_table;
exit;
EOF`
awk -F "," -v ref=$value'{if ($1 >= ref) printf("%-16s%-20s%-50s%-20s%-60s%-12s%-9s%-20s%-20s%-20s%-30s%-20s%-20s%-20s%-20s%-50s%-20s%-50s%-20s%-20s%-100s%-4s%-4s%-20s%-20s%-10s%-10s%-10s%-25s%-25s%-100s%-40s%-20s%-20s%-40s%-20s%-20s%-25s%-3s%-10s%-10s%-20s%-10s%-1s%-10s%-4s%-4s%-4s%-4s%-3s%-4s%-10s%-10s%-10s%-10s%-10s%-10s%-10s%-10s%-10s%-10s\n",$1,$2,$3,$4,$5,$6,$7,$8,$9,$10,$11,$12,$13,$14,$15,$16,$17,$18,$19,$20,$21,$22,$23,$24,$25,$26,$27,$28,$29,$30,$31,$32,$33,$34,$35,$36,$37,$38,$39,$40,$41,$42,$43,$44,$45,$46,$47,$48,$49,$50,$51,$52,$53,$54,$55,$56,$57,$58,$59,$60,$61)}' appfile_$Day.out > C_LIQ_CR_APP_RT_$Day.DAT