Generally file handling won't work in PCL's as they know nothing about the underlying file system. So you will need some kind of file abstraction for each platform you intend to support. In MvvmCross you can do this by providing your own plugin for this. The PCL contains all the logic while the platform dependent projects do all the file processing sending the stream to your PCL.
You can read more about plugins here: https://github.com/MvvmCross/MvvmCross/wiki/MvvmCross-plugins