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The word "incumbent" is correct and usable in written English.
It is usually used to refer to a person who holds an office, especially an elected one. For example, "The incumbent mayor has held office for three terms."
Dictionary
the incumbent
noun
The current holder of an office, such as ecclesiastical benefice or an elected office.
synonyms
Exact(60)
He's the incumbent".
As such, the incumbent, Pres.
In half, the incumbent won.
He was the incumbent.
(Only the incumbent knows).
You are the incumbent.
The incumbent never lost a race.
The incumbent, Finland (population 5.3m), is helping.
Here the incumbent has some obvious advantages.
That was the incumbent.
In Saxony the incumbent looks safe.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com