To change the default for all file access via open, compile-file and so on, you can modify the value of *file-encoding-detection-algorithm*.
For example given the following definition:
(defun utf-8-file-encoding (pathname ef-spec buffer length)
(declare (ignore pathname buffer length))
(system:merge-ef-specs ef-spec :utf-8))
then this makes it use UTF-8 as a fallback:
(setq system:*file-encoding-detection-algorithm*
(substitute 'utf-8-file-encoding
'system:locale-file-encoding
system:*file-encoding-detection-algorithm*))
and this forces it to always use UTF-8:
(setq system:*file-encoding-detection-algorithm*
'(utf-8-file-encoding))
LispWorks User Guide and Reference Manual - 21 Dec 2011