Unfortunately, the insert statement, or "export" as they call it, is coming from an OCR COTS product, where performing simple logic to manipulate the insert values on that side is very limited, or maybe I just can't seem to figure that out. So it seems like it is pretty much impossible to decipher from the COTS side if a certain field contains a certain value, then put another value in another field to be inserted into the database.

I would agree though, doing it in the insert would be a better design and much more efficient.